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Update 21 months post BK7 discharge

New Contributor

Update 21 months post BK7 discharge

Rebuild going great! BK7 discharged March 2020


NFCU cash rewards $10,000 

Ollo $2700

Penfed Power Cash Rewards $10,000

Apple card $2500

Chase auto loan $50,000 72 months 3.8%


Have been using AZEO but messed up two months in the last year by paying all cards in full with a 20 point loss but back up the next month. 


Will update scores when my new auto loan and Apple card report. Expecting another drop but as we know you have to crawl before you can walk. Wasn't planning on buying a new car yet but my 2016 Accord was totaled in an accident on November 30th. 

NFCU Cash Rewards $16,000
PenFed Power Cash Rewards $10,000
Apple Card $5,200
NFCU Flagship $6,200
Community Leader
Super Contributor

Re: Update 21 months post BK7 discharge

Congrats! Nice recovery. I dropped 20 pts after a spree with Home Depot, Loews, and a new Explorer. But I did it on purpose. I played the get the scores up and cash them in. Back down to 730's from 750's. Well worth it.

Homeowner since Sept 2020. 2021 Explorer ST Chase 3.1%. Sharing my experiences after BK from learning here. Started 540's.
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